General Insurance

Should both my girlfriend and I be on the car title?

I would only put the title in one name — whoever will own and register the vehicle. Putting two people on the title may only complicate things unnecessarily and make it harder to sell.

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Eligibility

Who needs to be on the insurance and the title?

You would both need to be on the policy since he will be driving the car and you will own it. If you will not be driving the car, he can get the policy in his name but you will need to be listed as an excluded driver, which means you are not covered to drive the car.

Coverage & Claims

Can my boyfriend remove me from policy without my knowledge?

Yes. He can remove you from the policy without your consent or informing you.

Coverage & Claims

Who will the claims check be made out to after accident?

Since the insurance is in his name the check will be made out to him unless you're listed as the additional interest on the policy. An additional interest means you have a financial stake in the car.

General Insurance

Can I just insure the vehicle and exclude him (the owner) as a driver?

Yes. You can add him as a driver and have if excluded on the policy.

Coverage & Claims
Eligibility

Can I sue my boyfriend's insurance for medical coverage?

Sorry to hear that you were hurt. If you are on the insurance policy you can file a claim under the Personal Injury Protection (PIP) coverage.

Coverage & Claims

Can my ex add me to their policy if I don't consent?

No. I would call the insurance company he has his policy and speak to a manager or customer service representative.

General Insurance

Does Farmers allow exclusions?

While I do not work for Farmers, it has been my experience that they do allow exclusions. Usually, you will need to call your agent or a customer service representation at their call sent and request an exclusion form.

General Insurance

Should I add my girlfriend to my car insurance policy?

If the only reason you would be adding your girlfriend to your policy is to save money, I wouldn't recommend it. At the end of the day, your insurance company would be insuring an additional person and vehicle so regardless of the multi-person or multi-vehicle discount you would receive, it probably wouldn't offset the additional insurable interests.

Eligibility

Can my boyfriend insure my financed vehicle?

If you are not listed as a driver, you are not insured on that policy. Which means you're probably in violation of your lease agreement and you wouldn't receive coverage in the event of an accident.

Eligibility

Can I be added to my boyfriend's policy with my vehicle?

The answer would depend on where you live or park your vehicle the majority of the time. If you live with your boyfriend, you should be able to be added to his policy.
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